A bank onboarding a client who arrives with two million euros of crypto faces a question that no blockchain analytics tool answers. Chainalysis, Elliptic and TRM will tell you whether a wallet has touched a sanctioned address, a darknet market or a mixer. They will not tell you whether the wealth itself is legitimate — where it came from, how it accumulated, and whether the story the client tells matches what actually happened across a decade of exchanges, wallets and DeFi positions. That is the Source-of-Wealth question, it is the one compliance officers are actually accountable for, and until recently it was answered with spreadsheets, emails and forty-plus hours of manual reconstruction per case.
ChainComply built the layer that sits between those two things. It ingests transaction data from more than 100 exchanges and 150 blockchains, including DeFi positions, normalises the mess of CSV exports and API feeds into one dataset, reconstructs capital gains and profit and loss over time, and produces a structured wealth narrative that explains every flow — fiat in, crypto in, third-party transfers, DeFi yield, trading gains. Risk signals from the blockchain analytics tools a firm already uses are consumed as inputs rather than replaced. The output is a single audit-ready file: a reasoned yes, no or why, aligned to EBA guidance, that an internal auditor or a supervisor can read.
The company is precise about what it is not, which is unusual and useful. It does not do wallet clustering, sanctions matching or on-chain crime investigation, and says so on its own homepage in a side-by-side comparison. Its framing is that crypto enhanced due diligence is a workflow problem rather than a data problem — the intelligence largely exists, but nothing turns it into a documented decision. The product is sold to four groups with the same underlying need: banks assessing crypto-holding clients, VASPs and CASPs meeting MiCA and FATF obligations, wealth managers monitoring high-value clients, and crypto tax accountants offering due diligence as a service. A fifth product, CashoutReady, inverts the customer: it lets an individual assemble a verifiable account of their own crypto wealth before approaching a bank.
The timing is the strategic argument. MiCA brought crypto asset service providers inside the regulatory perimeter across the EU, the EBA has issued guidance on how institutions should assess crypto exposure, and the Anti-Money Laundering Regulation arriving in 2027 raises due diligence obligations across the board. Every one of those developments increases the number of institutions that must answer the Source-of-Wealth question and document how they answered it. What cannot be assessed from outside is scale: ChainComply is early-stage with a small named team — CEO Pavlina Pavlova, CPO Lukasz Lukaszewski and CTO Nikolay Stanev — no disclosed funding, and no publicly named customers. It holds ISO/IEC 27001 certification, is a member of Fintech Belgium and INATBA, and has been through the Blockchain Founders Group accelerator. For a company handling institutions' most sensitive client data, the security certification is more meaningful than most early-stage credentials.